{"id":60,"date":"2025-03-28T04:00:00","date_gmt":"2025-03-28T10:00:00","guid":{"rendered":"https:\/\/www.richinsuranceagency.com\/blog\/?p=60"},"modified":"2025-03-26T13:48:08","modified_gmt":"2025-03-26T19:48:08","slug":"single-level-homes-what-insurance-makes-sense","status":"publish","type":"post","link":"https:\/\/www.richinsuranceagency.com\/blog\/single-level-homes-what-insurance-makes-sense\/","title":{"rendered":"Single-Level Homes: What Insurance Makes Sense"},"content":{"rendered":"<p>Rich Insurance Agency LLC is here to offer Kansas City, MO homeowners home insurance that fits their needs. If you have a single-level home, these policies may suit you!<\/p>\n<h2>Single-Level Homes Still Have Plenty of Risks<\/h2>\n<p>While a ranch house might have fewer issues plaguing it (such as stress-related damage to the foundation), it still needs high-quality protection! We think homeowners should buy the most comprehensive policy possible to stay safe from real issues.<\/p>\n<p>That said, we know not everybody can afford that kind of protection! As a result, it&#8217;s important to find a good balance for your single-level home. Let&#8217;s take a look at some of the most common policy types to give you a better understanding of what they might (and might not) cover:<\/p>\n<ul>\n<li><strong>HO-1<\/strong>: Basic form protection covers only 10 perils: lighting, fire, windstorm, explosion, riot, aircraft, vehicles, smoke, vandalism, theft, and volcanic eruption. Anything not mentioned above (including personal property, liability, and additional living expenses) isn&#8217;t covered!<\/li>\n<li><strong>HO-2<\/strong>: Broad-form policies cover the perils mentioned above, as well as personal belongings, liability, loss of use, and medical payments. For single-level homeowners on a tight budget who want better protection than HO-1, these policies work very well indeed.<\/li>\n<li><strong>HO-3<\/strong>: The most common insurance type, a special form policy covers open and named perils, including things not listed on your policy. That makes them an excellent option for single-level homeowners concerned about serious, long-lasting issues.<\/li>\n<\/ul>\n<p>Other options include HO-4 policies (specific to renters) and HO-5 protection (an upgraded type of HO-3 that covers far more problems).<\/p>\n<h2>You Deserve Great Protection<\/h2>\n<p>Our Rich Insurance Agency LLC team offers high-quality home insurance policies for Kansas City, MO residents and beyond! Call us today to learn more about your options.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rich Insurance Agency LLC is here to offer Kansas City, MO homeowners home insurance that fits their needs. If you have a single-level home, these policies may suit you! Single-Level Homes Still Have Plenty of Risks While a ranch house might have fewer issues plaguing it (such as stress-related damage to the foundation), it still [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[11,5,12],"class_list":["post-60","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-kansas-city","tag-rich-insurance-agency-llc","tag-single-level-homes"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/60","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/comments?post=60"}],"version-history":[{"count":1,"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/60\/revisions"}],"predecessor-version":[{"id":61,"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/60\/revisions\/61"}],"wp:attachment":[{"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=60"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=60"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.richinsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=60"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}